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Top 20 Fintech VCs in Europe in 2025

Top 20 Fintech VCs in Europe in 2025
The fintech sector in Europe continues to thrive, driven by innovation in payments, banking, lending, and blockchain technologies.

Venture capital firms are playing a pivotal role in fueling this growth by backing startups with transformative ideas.

Below is a detailed list of the top 20 fintech VCs in Europe in 2025, their investment focus, funding conditions, and notable portfolio companies.

1. Balderton Capital

  • Investment Focus: Early-stage fintech, SaaS, and consumer tech.
  • Funding Conditions: Invests in European-founded startups, with a focus on seed to Series A rounds.
  • Notable Investments: Revolut, GoCardless, Nutmeg.
  • Website: Balderton Capital

2. Northzone

  • Investment Focus: Fintech, health tech, and enterprise software.
  • Funding Conditions: Invests in early-stage startups with global potential.
  • Notable Investments: Klarna, Trustpilot, Zopa.
  • Website: Northzone

3. Index Ventures

  • Investment Focus: Fintech, AI, and consumer tech.
  • Funding Conditions: Backs startups from seed to growth stages.
  • Notable Investments: Adyen, Robinhood, TransferWise (now Wise).
  • Website: Index Ventures

4. Speedinvest

  • Investment Focus: Fintech, deep tech, and climate tech.
  • Funding Conditions: Invests €250,000 to €4 million in seed and Series A rounds.
  • Notable Investments: Bitpanda, Curve, WeFox.
  • Website: Speedinvest

5. Earlybird Venture Capital

  • Investment Focus: Fintech, health tech, and digital transformation.
  • Funding Conditions: Invests €500,000 to €10 million across all stages.
  • Notable Investments: N26, Peak, UiPath.
  • Website: Earlybird Venture Capital

6. Seedcamp

  • Investment Focus: Early-stage fintech, SaaS, and AI.
  • Funding Conditions: Provides seed funding and mentorship to startups.
  • Notable Investments: Revolut, TransferWise (now Wise), UiPath.
  • Website: Seedcamp

7. Octopus Ventures

  • Investment Focus: Fintech, health tech, and deeptech.
  • Funding Conditions: Invests in seed to Series B rounds.
  • Notable Investments: SumUp, Zopa, Cazoo.
  • Website: Octopus Ventures

8. DN Capital

  • Investment Focus: Fintech, SaaS, and consumer tech.
  • Funding Conditions: Invests up to €20 million in early-stage startups.
  • Notable Investments: Auto1 Group, Shazam, Endeca.
  • Website: DN Capital

9. Finch Capital

  • Investment Focus: Fintech, insurtech, and proptech.
  • Funding Conditions: Invests €500,000 to €7 million in Series A and B rounds.
  • Notable Investments: Ohpen, Fourthline, Silverflow.
  • Website: Finch Capital

10. Mouro Capital

  • Investment Focus: Fintech, insurtech, and digital banking.
  • Funding Conditions: Invests up to €15 million in growth-stage startups.
  • Notable Investments: N26, Revolut, Tink.
  • Website: Mouro Capital
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11. HV Holtzbrinck Ventures

  • Investment Focus: Fintech, SaaS, and digital health.
  • Funding Conditions: Invests €500,000 to €5 million in early-stage startups.
  • Notable Investments: Zalando, Delivery Hero, SumUp.
  • Website: HV Holtzbrinck Ventures

12. Illuminate Financial

  • Investment Focus: Fintech, regtech, and enterprise software.
  • Funding Conditions: Invests in early-stage startups solving real problems for financial institutions.
  • Notable Investments: Algomi, CloudMargin, OpenGamma.
  • Website: Illuminate Financial

13. Rabo Frontier Ventures

  • Investment Focus: Fintech, agtech, and sustainability.
  • Funding Conditions: Invests in early-stage startups aligned with Rabobank’s strategic goals.
  • Notable Investments: Tradeshift, Agrimetrics, AgroCares.
  • Website: Rabo Frontier Ventures

14. Playfair Capital

  • Investment Focus: Fintech, AI, and SaaS.
  • Funding Conditions: Invests £100,000 to £500,000 in pre-seed and seed rounds.
  • Notable Investments: Revolut, Onfido, Thought Machine.
  • Website: Playfair Capital

15. Velocity Capital Fintech Ventures

  • Investment Focus: Fintech, blockchain, and digital assets.
  • Funding Conditions: Invests in early-stage startups with strong business models.
  • Notable Investments: BitPay, Circle, Chainalysis.
  • Website: Velocity Capital Fintech Ventures

16. SpeedUp Venture Capital Group

  • Investment Focus: Fintech, proptech, and SaaS.
  • Funding Conditions: Invests €200,000 to €5 million in early-stage startups.
  • Notable Investments: Booksy, Brainly, DocPlanner.
  • Website: SpeedUp Venture Capital Group

17. VR Ventures

  • Investment Focus: Fintech, proptech, and digital business solutions.
  • Funding Conditions: Invests €500,000 to €2 million in early-stage startups.
  • Notable Investments: Finanzcheck, Zencap, Finleap.
  • Website: VR Ventures

18. Swisscom Ventures

  • Investment Focus: Fintech, enterprise software, and digital health.
  • Funding Conditions: Invests 1millionto1millionto20 million in growth-stage startups.
  • Notable Investments: N26, Ledger, Onfido.
  • Website: Swisscom Ventures

19. FiveT Fintech

  • Investment Focus: Fintech, blockchain, and digital assets.
  • Funding Conditions: Invests in startups with a focus on sustainability and impact.
  • Notable Investments: SEBA Bank, Taurus, Sygnum.
  • Website: FiveT Fintech

20. Tenity

  • Investment Focus: Fintech, insurtech, and blockchain.
  • Funding Conditions: Provides €50,000 to €100,000 in pre-seed funding through accelerator programs.
  • Notable Investments: Yokoy, Fundcraft, Obligate.
  • Website: Tenity
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For more details on these VCs and their investment strategies, visit the official websites linked above.

These firms are at the forefront of driving innovation in Europe’s fintech ecosystem, making them key players in the future of finance.
2025-01-10 06:06